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7 years on... Real world natural muscle gains

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I've been training consistently for about 8 years now and have made tonnes of mistakes along the way. Mostly it was trying to gain too fast and just getting fat.

I have a naturally small frame and generally weighed about 9 stone my whole adult life - see my early post.

Once I got rid of the fat, I was down to 110 lb (7 stone 12!). Since then, I've gone to the gym more than 1000 times.

I just updated my bodyweight graph, which I've kept since ~2008:


As you can see, it's been a very mixed journey! I let myself get much too fat, hoping that I could build muscle faster that way. I got better as I went along and I think I've got it nailed these last couple of years.
If I take out all the "noise" of the fat periods, and just take my low (lean) points, I get this:

I've gained 20 lb (18%) of my starting (lean) weight in 7 years. 12 lb of that was in the first two years. The last 5 years has been much slower. 
If you're heavier / bigger than me, I expect …

Still haven't bought a house...

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OK, so I'm still here busy squirrelling away more than 30% of my take-home pay and using a low-cost global index tracker (this is a change to previous posts, where I preferred separate regional indices, but the principle is the same) and a low-cost broker.

I've been looking at houses and calculating how much I would save by buying rather than renting. It turns out that it would roughly halve my costs (i.e. 100% of my rental payments are currently "wasted", whereas about 50% of the monthly costs of ownership would be "wasted" - i.e. interest repayment, property tax, property maintenance etc. using typical figures and current interest rates.)

Sounds like a no-brainer, right?

The thing that makes me worried, a little like the picture of this blog post, is that last point.

Interest rates.

I know that we're not living in a "normal" interest rate environment right now, but I have ~25 years to pay off a mortgage. It's very likely (guaranteed?) th…